What does “...and it killed a man or a woman...”  teach us? To make the owner of a goring ox liable to redemption payment for the killing of a woman as for a man? No, it is already written: “...if an ox shall gore a man or a woman...”  

Rather, to equate a woman with a man in damages: if a man dies before collecting, his damages go to his heirs, so too a woman - her damages go to her heirs and not to her husband – because the husband inherits only the actual assets that the wife possessed at the time of her death.